₹10,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 10 Years
If you had started a ₹10,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Liquid Fund - IDCW Monthly's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹12,13,494
18 Aug 2026
Absolute gain
+₹3,494
+0.3%
XIRR (annualised)
0.06%
money-weighted
The journey, month by month
Worst fall on the way
-1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,84,546
Modelled at historical FD rates. The fund trailed FD by ₹4,71,052.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹1,30,000 | ₹1,30,205 | +0.2% |
| Year 2 (19 Aug 2018) | ₹2,50,000 | ₹2,50,578 | +0.2% |
| Year 3 (18 Aug 2019) | ₹3,70,000 | ₹3,70,770 | +0.2% |
| Year 4 (18 Aug 2020) | ₹4,90,000 | ₹4,90,382 | +0.1% |
| Year 5 (18 Aug 2021) | ₹6,10,000 | ₹6,10,638 | +0.1% |
| Year 6 (18 Aug 2022) | ₹7,30,000 | ₹7,31,735 | +0.2% |
| Year 7 (18 Aug 2023) | ₹8,50,000 | ₹8,51,881 | +0.2% |
| Year 8 (18 Aug 2024) | ₹9,70,000 | ₹9,72,693 | +0.3% |
| Year 9 (18 Aug 2025) | ₹10,90,000 | ₹10,92,333 | +0.2% |
| Year 10 (18 Aug 2026) | ₹12,10,000 | ₹12,13,494 | +0.3% |
Best year of the journey: Year 1 (+0.2% market move) · Toughest year: Year 4 (-0.1%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
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Same SIP in other Liquid funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Liquid Fund - IDCW Monthly's published NAV (source: AMFI) between 18 Aug 2016 and 18 Aug 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.